Authorizes health insurance issuers to establish healthcare costs and quality programs. Present law prohibits an insurer from making or permitting any unfair discrimination in favor of particular individuals or persons, or between insureds or subjects of insurance having substantially like insuring risk in the terms or conditions of any insurance contract, or in the rate or amount of premium charged therefor. Proposed law retains present law but authorizes health insurance issuers and health maintenance organizations to establish certain health programs without regard to uniform availability or applicability to all insureds or policyholders.